Cheap Dodge Ram 3500 Insurance in Detroit

Shockingly, most car insurance policyholders in Michigan have stayed with the same insurance company for more than four years, and almost half have never quoted car insurance rates at all. American insurance shoppers could save nearly $850 every year by just comparing rate quotes, but they don’t believe how much money they would save if they replace their high priced policy.

The most effective way to find affordable auto insurance rates in Detroit is to regularly compare price quotes from companies in Michigan.

• Step 1: Spend a few minutes and learn about individual coverages and the measures you can take to prevent expensive coverage. Many rating factors that result in higher rates like traffic violations, accidents, and a bad credit score can be amended by paying attention to minor details. Continue reading for additional ideas to help prevent expensive coverage and get bigger discounts.
• Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agencies can provide price quotes for a wide range of insurance providers.
• Step 3: Compare the new rate quotes to the premium of your current policy and see if you can save money. If you can save money and switch companies, verify that coverage does not lapse between policies.

The most important part of this process is that you’ll want to compare the same physical damage deductibles and liability limits on each quote and and to get quotes from as many car insurance companies as possible. This provides an accurate price comparison and plenty of rates choose from.

Pricing affordable car insurance coverage in Detroit is not as hard as you think. If you have a policy now or just want cheaper coverage, you can use these tips to save money without reducing protection. Comparison shoppers only need to know the most time-saving way to get comparison rates online.

Compare quotes for Detroit Dodge Ram 3500 insurance

Getting a cheaper price on Dodge Ram 3500 insurance is an easy way to save money. The only requirement is to spend a few minutes comparing free Detroit auto insurance quotes provided by online insurance companies.

The companies shown below can provide quotes in Michigan. If you want to find the cheapest car insurance in Detroit, it’s highly recommended you compare several of them to get a more complete price comparison.

Buying the right Dodge vehicle insurance in Michigan is an important decision

Despite the fact that auto insurance is not cheap in Detroit, buying auto insurance is not optional due to several reasons.

First, almost all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability protection if you don’t want to risk a ticket. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Ram 3500, most banks will stipulate that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender will be forced to insure your Dodge at a significantly higher premium and force you to pay the higher price.

Third, insurance protects not only your vehicle but also your assets. It will also reimburse you for most medical and hospital costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay to defend you if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of having insurance are without a doubt worth the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is wasting up to $800 each year so we recommend shopping around each time the policy renews to ensure rates are competitive.

Rates and other information

The coverage table shown next showcases detailed analysis of coverage prices for Dodge Ram 3500 models. Having a better idea how auto insurance premiums are established is important to be able to make smart choices when purchasing an auto insurance policy.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can increase or decrease insurance rates greatly.

Higher deductibles save money

The hardest decision when buying coverage is what deductibles to buy. The rates below can help show the differences in premium rates between high and low comp and collision deductibles. The first rate table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in zip code location which can change premium rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $33 more each month or $396 each year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 8 months between claims, you would more than likely save some money if you opt for a higher deductible.

Take policy discounts and save on Dodge Ram 3500 insurance in Detroit

Auto insurance is neither fun to buy or cheap, but you might find some hidden discounts that could help you make your next renewal payment. Some of these discounts will be visible when you quote, but some discounts are required to be requested specifically prior to receiving the credit.

• Detroit Homeowners Discount – Owning your own home or condo can help you save on auto insurance since owning and maintaining a home requires a higher level of personal finance.
• Resident Student – Any of your kids who are attending college and don’t have a car may be insured at a cheaper rate.
• Paperwork-free – Some insurance companies will give a small break for buying your policy on their website.
• Safety Course Discount – Taking a course teaching driver safety skills could save 5% or more and make you a better driver.
• Accident Waiver – This isn’t a discount exactly, but a few companies such as Liberty Mutual, Allstate and State Farm will allow you to have one accident before they charge you more for coverage as long as you don’t have any claims prior to being involved in the accident.

Drivers should understand that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck.

The chart below shows the difference between Dodge Ram 3500 insurance rates with and without discounts applied. The data assumes a male driver, a clean driving record, no at-fault accidents, Michigan state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, multi-car, and claim-free discounts applied.

A few of the larger companies and their possible discounts include:

• State Farm policyholders can earn discounts including driver’s education, multiple autos, Steer Clear safe driver discount, student away at school, Drive Safe & Save, accident-free, and anti-theft.
• Farmers Insurance offers discounts for switch companies, homeowner, good student, early shopping, and electronic funds transfer.
• GEICO discounts include anti-lock brakes, military active duty, good student, multi-policy, emergency military deployment, defensive driver, and seat belt use.
• American Family offers discounts including Steer into Savings, defensive driver, multi-vehicle, TimeAway discount, bundled insurance, accident-free, and mySafetyValet.
• Nationwide has discounts for business or organization, anti-theft, good student, multi-policy, defensive driving, and accident-free.
• Progressive has savings for homeowner, online quote discount, multi-policy, good student, multi-vehicle, and continuous coverage.

If you are trying to find affordable Detroit auto insurance quotes, ask each company how you can save money. Some credits may not be offered in Detroit. To choose companies with discount rates in Detroit, click here.